The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt.? As to the consumer’s understanding of HIPAA and the release of information, HIPAA allows the use and disclosure of protected health information for the purpose of collection.? The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account.? In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information.? Further, the consumer admits he asked us “to validate the alleged debt.”? When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving.? So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so.? As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances
The consumer makes several allegations regarding balances placed with our office.? The consumer states she was never notified by the creditor that there was a balance due.? We cannot speak to that issue, but from our experience, most creditors mail at least three or four billing statements to patients.? The consumer states she first learned of the balance when she reviewed her credit report.? She does not say when she reviewed her credit report.? However, we mailed notices to the consumer on or about 10/13/and 11/04/for the active balances placed with our office.? The consumer states the creditor never notified her of the balances because the creditor had an incorrect address and she asserts she provided an updated address to us.? However, when the consumer called us on 1/20/and again on 5/22/17, the consumer refused to provide an address.? The consumer states there were items on her credit report, that she disputed them, and they are back.? The consumer may be referring to additional accounts no longer active in our office that may have been submitted for credit reporting.? We requested deletion of those accounts from credit reporting at the time the accounts were cancelled and returned to the creditor.? It is possible those same balances are being reported by another collection agencyHowever, as stated, we requested deletion of those accounts at the time they were cancelled.? If the consumer would like to provide us with a copy of her credit report for us to review and investigate, she can send it to: SCSI, Attn: Compliance, P.OBox 6250, Madison, WI 53716.? Finally, we note that for the accounts active in our office, those balances are included in a judgment dated 4/7/in favor of the creditor.? Although we are not required to request removal of the accounts related to the judgment from credit reporting, we have done so.? If there are any further questions, please do not hesitate to contact our office
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ? You need to stop contacting me my dad is dead!!!?
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the BBB, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below We will have to wait the days before closing this out to see what they actually doThey are reporting each line item as a separate account charged offI only have one billing account with Aurora So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separatelyI'm having it looked into but the attorney general as well because it is not right you can't do that We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out Regards, [redacted]
The consumer states an account placed with our office appears on his credit report, but that it was paid to a competitor. He requests removal of the account from credit reporting. The account was placed in our office by the creditor for collection on September 10, 2012. When we
received this complaint, we contacted the creditor to verify if the amount remained due. Apparently, between the time of placement and the time of the filing of the consumer's complaint, the creditor sold the account to a company. The creditor did not notify us that the account had been sold. As we now know the account was sold by the original creditor, we have closed the account and requested removal of credit reporting. If the consumer has any questions, he may contact our *** *** *** at ###-###-#### x***
The consumer states the consumer has not contracted with us, that documentation was provided to the consumer by us regarding the debt placed in our office by the creditor and alleges the consumer’s HIPAA rights have been violated. The consumer would not contract with us since we are debt
collector. The creditor contracted with us to collect debts the consumer did not pay. If we had to have a contract with every consumer, no creditor would ever get paid. As to documentation, the consumer admits receiving verification of the accounts placed in our office. By providing the document obtained from the creditor, we satisfied the request for verification requirements. We have never spoken with this consumer so we are not sure where the statement comes from about getting the “run around.” As to HIPAA, the law allows the creditor to provide third parties, like collection agencies, with information necessary to collect on an account. In fact, when the consumer disputed the account, the consumer made it necessary for us to obtain and the creditor to disclose additional information, like the document the consumer admits receiving from us. We will not and cannot destroy every piece of information related to the consumer as that is not required by any law. The law does require we maintain security of the information and we do that. In addition, the law already prohibits us from selling protected health information and the creditor does not allow us to sell it. Finally, as the consumer has requested we cease all collection activity and given the age of the accounts, we have requested deletion of accounts from credit reporting and cancelled the accounts back to the creditor. We do not have any control over the actions of the credit reporting agencies and do not report accounts to Innovis or Chex systems
The consumer states this account is paid, alleges that she contacted the creditor who said the account was placed in error and claims that she called us in February 2015. We have verified with the creditor that the amount is due. The creditor does not show that any insurance information
was provided. The creditor also stated that it does not show any recent discussions with the consumer concerning this matter. We do not show that the consumer contacted our office in February 2015. In fact, we do not show any inbound calls to our office on this account. We do acknowledge receiving a dispute from the consumer by email on or about August 17, 2015. The dispute was forwarded to the client for review. If the consumer can provide to us proof of insurance for the service date in question, we can certainly provide that to the creditor. We will mail to the consumer the itemized statement showing the balance due once we have received it from the creditor
The consumer states an account or accounts placed with our office for collection were not properly coded and therefore insurance did not cover the services. We notified the creditor of the consumer's concern. The creditor requested we place the accounts on hold pending the creditor's
review of the coding. In the meantime, we have requested removal of one of the accounts from credit reporting as the creditor reviews the coding and to allow the consumer some time to review any response the creditor may provide. Two of the accounts were not yet submitted for reporting and will not be submitted for reporting pending the results of the creditor's review of the coding on the accounts
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
Claudia ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
The consumer alleges that we did not send enough documentation to verify the debt owed to the consumer by only sending an itemized statement. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to
consumer’s attention. That itemized statement included: the name of the creditor, listings of the services provided, the nature and status of the debt, the dates on which the charges were incurred; and, the amount of the debt. This constitutes sufficient verification under the Fair Debt Collection Practices Act. While consumer does not dispute a certain portion of the debt based on the itemized statement sent, but rather is demanding a signed consent form. We have therefore mailed to consumer’s attention on or about November 6, 2017, the creditor’s signed consent form bearing consumer’s signature, the intake form indicating that consumer is listed as “Self-Pay” under primary insurance, the creditor’s transaction notes and itemized statement. Consumer previously had a payment arrangement with our agency and has made payments on said account, which is reflected on the itemized statement that was sent to the consumer’s attention. While we work through this issue the account is currently being reported as disputed to the three main credit reporting agenciesTell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
As we understand the consumer's complaint, she alleges she was making payments to the creditor and filed for financial assistance on two occasions. She further alleges she is on Medicaid. She also claims that the creditor intentionally lists separate
balances. Finally, she claims to have issues with the amounts placed and disputes those balances. As to a payment plan, the creditor indicated that she was making payments but that the accounts were turned over for collection as the payment plan was delinquent. The creditor further indicated it does not have a record of the consumer applying for financial assistance and even if she had or did, she would not qualify for financial assistance as the creditor reports she had health insurance. The creditor also indicated that it billed insurance but the charges were non-covered and that Medicaid was not billed as she did not have coverage at the time of service. As to how the creditor lists balances for collection, each account is treated separately. It is listed as a separate account. As for her dispute of the balances in our office, while her disputing the balances seems inconsistent with her statements that she had been making payments to the creditor and that she applied for financial assistance in order to cover the services, we will be sending the consumer the itemized statements for those balances that are active in our office. For the account disputed in December, it is no longer in our office. It was cancelled and returned to the creditor. In order to allow the consumer time to review the itemized statements, we have requested deletion of the accounts from credit reporting at this time. We reserve the right to re-report these accounts in the future, but will not do so for the next days.
The consumer states a bill was paid that had been placed with us, had requested a payment history and believes a refund is due. We apologize for the delay in tracking down the payment. After the consumer disputed the initial accounts placed with our office, additional accounts were
placed. The request to the creditor about the payment on the first accounts placed was delayed due to placement of additional accounts. We have been informed by the creditor that the payment for the initial accounts was tracked down by the creditor and has now been applied by the creditor to the correct accounts. The creditor did have us apply the payment to the initial accounts yesterday and those accounts are shown as paid both with the creditor and in our office.We understand that a list of all payments made has been provided to the consumer. If that is not the case, the consumer may contact us. In addition, we understand the consumer has entered into a payment arrangement for the balances remaining in our office. We do note that we have attempted to reach the consumer to make sure the payments are being applied to the correct accounts. If the consumer has not already done so, the consumer is encouraged to contact an account representative to go over this. It is important to us that the payments are being applied to the correct accounts and that we have accurate balance information.Again, we apologize for the time it has taken to track down the payment with the creditor
The consumer states money from her tax refund started in 2015. Unless she has another account that we are not aware of, or some other creditor is involved, we show the first payment arriving in our office in February 2016. The consumer states she did not receive a notice. We do not send out letters by certified mail, nor are we required to send them that way. The consumer states she was a ward of the state and the county should be paying this account. If the consumer would like to mail us something showing she was a ward of the state, we can forward that information to the creditor and the creditor can determine the proper response. The consumer states she tried to set up payment plans but we have refused her offers. We have not refused her payment plan offers. In fact, we told her we could set her up on a payment plan and we would need financial information in order to determine what payment might be appropriate. A promise to make a monthly payment was made, but the consumer never made the payment. We had several discussions with the consumer thereafter regarding a payment plan. In the most recent discussion regarding payment plans, the consumer was going to call us back to make sure a payment plan is what she wants to do. She apparently does not want to make payments now. As stated, if the consumer wants to provide us additional information, we can certainly forward that to the creditor for consideration
We take privacy and security seriously. Many large, well known health systems entrust with us the private and confidential information obtained by the health care provider. We have external audits of our security system performed and a third party that attests to our compliance with the Health Information Portability and Accountability Act and other regulations. We do not use any information supplied to us by our clients for personal use. We will continue to protect the consumer's information, but we cannot delete it from our collection system. We responded to the consumer's disputes in accordance with state and federal law
The consumer indicates that an account in the amount of $was paid. The consumer has multiple accounts in our agency. As indicated in a different Revdex.com complaint (#11811904), a payment of that amount was received and applied to two other accounts in our office. As indicated in
the response to the other Revdex.com complaint, if the consumer would like payments applied to a different account or accounts, he should contact us at 877-677-to make this request. Or let us know that he would like to do this in a reply to this response. We are more than willing to accommodate his request and can request deletion of any paid account from his credit report
The consumer alleges that a written authorization is required in order for a creditor to release protected health information to a collection agency and requests that credit reporting cease to allow him time to validate the debt.? As to the consumer’s understanding of HIPAA and the release of information, HIPAA allows the use and disclosure of protected health information for the purpose of collection.? The amount of information used or disclosed is limited to the minimum necessary to, in our case, collect the account.? In fact, the consumer concedes he is aware that HIPAA does allow the release of “limited” information.? Further, the consumer admits he asked us “to validate the alleged debt.”? When the consumer made the request to us to validate the debt, he made it necessary for us to obtain and use, and the creditor to disclose, additional information, like the itemized breakdown of services rendered that the consumer acknowledges receiving.? So, the limited information (the minimum necessary) we could use and disclose before the request for validation expanded (the minimum necessary increased) because the consumer made it so.? As to the consumer’s request that credit reporting cease, we are not under any obligation to cease credit reporting under these circumstances
The consumer makes several allegations regarding balances placed with our office.? The consumer states she was never notified by the creditor that there was a balance due.? We cannot speak to that issue, but from our experience, most creditors mail at least three or four billing statements to patients.? The consumer states she first learned of the balance when she reviewed her credit report.? She does not say when she reviewed her credit report.? However, we mailed notices to the consumer on or about 10/13/and 11/04/for the active balances placed with our office.? The consumer states the creditor never notified her of the balances because the creditor had an incorrect address and she asserts she provided an updated address to us.? However, when the consumer called us on 1/20/and again on 5/22/17, the consumer refused to provide an address.? The consumer states there were items on her credit report, that she disputed them, and they are back.? The consumer may be referring to additional accounts no longer active in our office that may have been submitted for credit reporting.? We requested deletion of those accounts from credit reporting at the time the accounts were cancelled and returned to the creditor.? It is possible those same balances are being reported by another collection agencyHowever, as stated, we requested deletion of those accounts at the time they were cancelled.? If the consumer would like to provide us with a copy of her credit report for us to review and investigate, she can send it to: SCSI, Attn: Compliance, P.OBox 6250, Madison, WI 53716.? Finally, we note that for the accounts active in our office, those balances are included in a judgment dated 4/7/in favor of the creditor.? Although we are not required to request removal of the accounts related to the judgment from credit reporting, we have done so.? If there are any further questions, please do not hesitate to contact our office
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ? You need to stop contacting me my dad is dead!!!?
RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I am sorry but I can not accept that as a valid response. I am personally not interested in what others have entrusted with your company. This is regarding my life, lively hood, and well being. I appreciate the fact that you have requested the 3 major credit reporting agencies to remove that erroneous account, and have agreed not to contact me personally again unless through a natural party, but that was only a portion of my request. After getting the BBB, CFBP, Wisconsin Attorney General, and the DFI involved State Collection Service INC has really done a great job of resolving this issue. Here is the problem. I never contracted with you all, therefor you never should have had any information pertaining to me. Not my name, address, phone number, nothing. So as a last attempt, I am begging you to remove any/all information pertaining to me form your files. Otherwise I will have no other recourse but to pursue litigation for defamation of character, and identity theft. I have read your response fully and this is my response to your reply.Please let me know when my information is deleted from your files otherwise if this can not be obtained, our feature correspondence with be via attorneys. Thank you in advance Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below We will have to wait the days before closing this out to see what they actually doThey are reporting each line item as a separate account charged offI only have one billing account with Aurora So there is no need for them to charge off all these different accounts when there's only one account they are charging off line items separatelyI'm having it looked into but the attorney general as well because it is not right you can't do that We will have to wait for them to come back with all of the information I requested not some of it all of it before we can close this out Regards, [redacted]
The consumer states an account placed with our office appears on his credit report, but that it was paid to a competitor. He requests removal of the account from credit reporting. The account was placed in our office by the creditor for collection on September 10, 2012. When we
received this complaint, we contacted the creditor to verify if the amount remained due. Apparently, between the time of placement and the time of the filing of the consumer's complaint, the creditor sold the account to a company. The creditor did not notify us that the account had been sold. As we now know the account was sold by the original creditor, we have closed the account and requested removal of credit reporting. If the consumer has any questions, he may contact our *** *** *** at ###-###-#### x***
The consumer states the consumer has not contracted with us, that documentation was provided to the consumer by us regarding the debt placed in our office by the creditor and alleges the consumer’s HIPAA rights have been violated. The consumer would not contract with us since we are debt
collector. The creditor contracted with us to collect debts the consumer did not pay. If we had to have a contract with every consumer, no creditor would ever get paid. As to documentation, the consumer admits receiving verification of the accounts placed in our office. By providing the document obtained from the creditor, we satisfied the request for verification requirements. We have never spoken with this consumer so we are not sure where the statement comes from about getting the “run around.” As to HIPAA, the law allows the creditor to provide third parties, like collection agencies, with information necessary to collect on an account. In fact, when the consumer disputed the account, the consumer made it necessary for us to obtain and the creditor to disclose additional information, like the document the consumer admits receiving from us. We will not and cannot destroy every piece of information related to the consumer as that is not required by any law. The law does require we maintain security of the information and we do that. In addition, the law already prohibits us from selling protected health information and the creditor does not allow us to sell it. Finally, as the consumer has requested we cease all collection activity and given the age of the accounts, we have requested deletion of accounts from credit reporting and cancelled the accounts back to the creditor. We do not have any control over the actions of the credit reporting agencies and do not report accounts to Innovis or Chex systems
The consumer states this account is paid, alleges that she contacted the creditor who said the account was placed in error and claims that she called us in February 2015. We have verified with the creditor that the amount is due. The creditor does not show that any insurance information
was provided. The creditor also stated that it does not show any recent discussions with the consumer concerning this matter. We do not show that the consumer contacted our office in February 2015. In fact, we do not show any inbound calls to our office on this account. We do acknowledge receiving a dispute from the consumer by email on or about August 17, 2015. The dispute was forwarded to the client for review. If the consumer can provide to us proof of insurance for the service date in question, we can certainly provide that to the creditor. We will mail to the consumer the itemized statement showing the balance due once we have received it from the creditor
The consumer states an account or accounts placed with our office for collection were not properly coded and therefore insurance did not cover the services. We notified the creditor of the consumer's concern. The creditor requested we place the accounts on hold pending the creditor's
review of the coding. In the meantime, we have requested removal of one of the accounts from credit reporting as the creditor reviews the coding and to allow the consumer some time to review any response the creditor may provide. Two of the accounts were not yet submitted for reporting and will not be submitted for reporting pending the results of the creditor's review of the coding on the accounts
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
Claudia ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
The consumer alleges that we did not send enough documentation to verify the debt owed to the consumer by only sending an itemized statement. On August 21, 2017, we processed consumer’s request for verification. On or about September 28, 2017, we sent the itemized statement to
consumer’s attention. That itemized statement included: the name of the creditor, listings of the services provided, the nature and status of the debt, the dates on which the charges were incurred; and, the amount of the debt. This constitutes sufficient verification under the Fair Debt Collection Practices Act. While consumer does not dispute a certain portion of the debt based on the itemized statement sent, but rather is demanding a signed consent form. We have therefore mailed to consumer’s attention on or about November 6, 2017, the creditor’s signed consent form bearing consumer’s signature, the intake form indicating that consumer is listed as “Self-Pay” under primary insurance, the creditor’s transaction notes and itemized statement. Consumer previously had a payment arrangement with our agency and has made payments on said account, which is reflected on the itemized statement that was sent to the consumer’s attention. While we work through this issue the account is currently being reported as disputed to the three main credit reporting agenciesTell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
As we understand the consumer's complaint, she alleges she was making payments to the creditor and filed for financial assistance on two occasions. She further alleges she is on Medicaid. She also claims that the creditor intentionally lists separate
balances. Finally, she claims to have issues with the amounts placed and disputes those balances. As to a payment plan, the creditor indicated that she was making payments but that the accounts were turned over for collection as the payment plan was delinquent. The creditor further indicated it does not have a record of the consumer applying for financial assistance and even if she had or did, she would not qualify for financial assistance as the creditor reports she had health insurance. The creditor also indicated that it billed insurance but the charges were non-covered and that Medicaid was not billed as she did not have coverage at the time of service. As to how the creditor lists balances for collection, each account is treated separately. It is listed as a separate account. As for her dispute of the balances in our office, while her disputing the balances seems inconsistent with her statements that she had been making payments to the creditor and that she applied for financial assistance in order to cover the services, we will be sending the consumer the itemized statements for those balances that are active in our office. For the account disputed in December, it is no longer in our office. It was cancelled and returned to the creditor. In order to allow the consumer time to review the itemized statements, we have requested deletion of the accounts from credit reporting at this time. We reserve the right to re-report these accounts in the future, but will not do so for the next days.
The consumer states a bill was paid that had been placed with us, had requested a payment history and believes a refund is due. We apologize for the delay in tracking down the payment. After the consumer disputed the initial accounts placed with our office, additional accounts were
placed. The request to the creditor about the payment on the first accounts placed was delayed due to placement of additional accounts. We have been informed by the creditor that the payment for the initial accounts was tracked down by the creditor and has now been applied by the creditor to the correct accounts. The creditor did have us apply the payment to the initial accounts yesterday and those accounts are shown as paid both with the creditor and in our office.We understand that a list of all payments made has been provided to the consumer. If that is not the case, the consumer may contact us. In addition, we understand the consumer has entered into a payment arrangement for the balances remaining in our office. We do note that we have attempted to reach the consumer to make sure the payments are being applied to the correct accounts. If the consumer has not already done so, the consumer is encouraged to contact an account representative to go over this. It is important to us that the payments are being applied to the correct accounts and that we have accurate balance information.Again, we apologize for the time it has taken to track down the payment with the creditor
This was my dads debt he is dead!!!!
The consumer states money from her tax refund started in 2015. Unless she has another account that we are not aware of, or some other creditor is involved, we show the first payment arriving in our office in February 2016. The consumer states she did not receive a notice. We do not send out letters by certified mail, nor are we required to send them that way. The consumer states she was a ward of the state and the county should be paying this account. If the consumer would like to mail us something showing she was a ward of the state, we can forward that information to the creditor and the creditor can determine the proper response. The consumer states she tried to set up payment plans but we have refused her offers. We have not refused her payment plan offers. In fact, we told her we could set her up on a payment plan and we would need financial information in order to determine what payment might be appropriate. A promise to make a monthly payment was made, but the consumer never made the payment. We had several discussions with the consumer thereafter regarding a payment plan. In the most recent discussion regarding payment plans, the consumer was going to call us back to make sure a payment plan is what she wants to do. She apparently does not want to make payments now. As stated, if the consumer wants to provide us additional information, we can certainly forward that to the creditor for consideration
We take privacy and security seriously. Many large, well known health systems entrust with us the private and confidential information obtained by the health care provider. We have external audits of our security system performed and a third party that attests to our compliance with the Health Information Portability and Accountability Act and other regulations. We do not use any information supplied to us by our clients for personal use. We will continue to protect the consumer's information, but we cannot delete it from our collection system. We responded to the consumer's disputes in accordance with state and federal law
The consumer indicates that an account in the amount of $was paid. The consumer has multiple accounts in our agency. As indicated in a different Revdex.com complaint (#11811904), a payment of that amount was received and applied to two other accounts in our office. As indicated in
the response to the other Revdex.com complaint, if the consumer would like payments applied to a different account or accounts, he should contact us at 877-677-to make this request. Or let us know that he would like to do this in a reply to this response. We are more than willing to accommodate his request and can request deletion of any paid account from his credit report